North Zone
- FORTIFIED Roof
- 16%
- Silver
- 20%
- Gold
- 24%
Louisiana homeowners
FORTIFIED® Roof, Silver & Gold may help with home insurance discounts.
A FORTIFIED Roof, Silver, or Gold certificate can be an important insurance document in Louisiana. This site explains the basic discount landscape in plain English so homeowners know what to ask before, during, and after a FORTIFIED project.
What this site is for
Louisiana has several moving pieces around FORTIFIED: grants, insurance discounts, tax-related resources, evaluator documentation, and carrier underwriting rules. This page focuses on the insurance side for Roof, Silver, and Gold designations.
Important: This is educational information, not insurance, legal, or tax advice. Always confirm the current discount and paperwork requirements with your insurance carrier or agent.
Regulation 136 benchmark discounts
Louisiana benchmark discounts start with the hurricane portion of the premium.
The Louisiana Department of Insurance published benchmark discounts for homes with FORTIFIED designations. The listed benchmarks apply to the hurricane portion of the premium and are directed for implementation no later than January 1, 2027.
Central Zone
- FORTIFIED Roof
- 27%
- Silver
- 35%
- Gold
- 42%
South Zone
- FORTIFIED Roof
- 29%
- Silver
- 43%
- Gold
- 49%
A percentage in a table does not automatically mean your total policy bill drops by that same percentage. Ask whether the discount applies to the full premium, wind and hail, hurricane, or another policy component.
The document that matters
The IBHS certificate is the proof.
For insurance purposes, the most important document is normally the official IBHS FORTIFIED certificate. A roofer invoice, shingle package, opening-protection receipt, bracing photo, or product data sheet may help explain the work, but it is not the same thing as a passed FORTIFIED Roof, Silver, or Gold designation.
The evaluator documents required materials and installation steps, submits the file for review, and the certificate is issued only after the designation is accepted.
If the project has not started yet, this is the best time to ask questions. Once roof deck work, underlayment, drip edge, attachments, openings, gable work, or other required details are covered, missing documentation can be difficult or impossible to recreate.
Ask an evaluator what needs to happen before work begins
1
Choose the FORTIFIED Roof, Silver, or Gold path before work starts.
2
Coordinate the contractor and evaluator before concealed work is covered.
3
Receive the IBHS certificate after documentation is accepted.
4
Send the certificate to your insurance carrier or agent.
Before you count the savings
Questions to ask your insurance agent
Which FORTIFIED level does my policy recognize?
Ask whether the carrier treats Roof, Silver, and Gold differently and how the Louisiana benchmark table is being handled.
What part of the premium gets the discount?
Confirm whether the discount applies to the hurricane portion, wind and hail portion, or another part of the premium.
When will the discount appear?
Some discounts may be applied after underwriting review, at endorsement, or at renewal.
What paperwork do you need?
Ask if the IBHS certificate is enough or if the carrier also needs a mitigation form, photos, declarations page, or other documentation.
Not sure what your carrier needs? Talk to an evaluator before the project gets started.
Common homeowner questions
Simple answers before you call the carrier
Will FORTIFIED lower my insurance?
It may. Louisiana rules support discounts for qualifying FORTIFIED homes, but actual savings depend on your carrier, policy, zone, designation level, and how the discount is applied.
Are normal upgrades enough?
Usually no. A regular roof replacement, opening upgrade, or strengthening detail may be valuable, but the FORTIFIED insurance discussion normally depends on receiving the official FORTIFIED Roof, Silver, or Gold designation certificate.
Does Silver or Gold get a bigger discount?
Under Louisiana benchmark guidance for January 1, 2027 implementation, Silver and Gold have higher benchmark percentages than Roof. Confirm current treatment with the carrier.
What if the carrier does not apply the discount correctly?
Start with the carrier or agent and ask for the rating explanation. If the issue is not resolved, Louisiana Department of Insurance consumer resources may be the next place to ask for guidance.
Useful links
Official references and carrier education
Carrier pages can change. Use these as starting points, then confirm your specific policy with your agent or insurance company.
LDI FORTIFIED Benchmarks
Louisiana benchmark discount table and implementation timing.
LDI Act 533 Report
Carrier-filed FORTIFIED Roof discount report and consumer guidance.
IBHS FORTIFIED Home
Official FORTIFIED Roof, Silver, and Gold program information.
State Farm Resilience Education
Impact-resistant roofing and possible insurance discount discussion.
Farmers Louisiana Discounts
Louisiana home discount categories, including hurricane loss mitigation.
USAA Roof Deck Checklist
Roof deck sealing education related to the FORTIFIED Roof layer of storm resilience.
Before the project starts
Talk to an evaluator about the insurance paperwork path.
Send a quick note if you are planning FORTIFIED Roof, Silver, or Gold work, trying to understand insurance discount paperwork, or need help lining up the evaluation before concealed work is covered.
Related Louisiana FORTIFIED resources
Need grants or evaluator help?
FORTIFIED insurance discounts are only one part of the process. Grants, evaluator timing, Roof/Silver/Gold documentation, and certificate submission all need to line up.